The Impact of Credit and Debit Cards in Liquor Stores on Opinions and Consumption Patterns

1999 ◽  
Vol 26 (1) ◽  
pp. 31-51
Author(s):  
Samantha L. Wells ◽  
Scott A. MacDonald ◽  
Norman Giesbrecht
Keyword(s):  
Consumption Patterns ◽  
Liquor Stores ◽  
The Impact ◽  
Debit Cards

scholarly journals Indicators of Land, Water, Energy and Food (LWEF) Nexus Resource Drivers: A Perspective on Environmental Degradation in the Gidabo Watershed, Southern Ethiopia

2021 ◽  
Vol 18 (10) ◽  
pp. 5181
Author(s):  
Zinabu Wolde ◽  
Wu Wei ◽  
Haile Ketema ◽  
Eshetu Yirsaw ◽  
Habtamu Temesegn
Keyword(s):  
Population Growth ◽  
Path Analysis ◽  
Driving Factors ◽  
Consumption Patterns ◽  
Southern Ethiopia ◽  
Driving Factor ◽  
Path Coefficients ◽  
Resource Degradation ◽  
The Impact ◽  
Land Water

In Ethiopia, land, water, energy and food (LWEF) nexus resources are under pressure due to population growth, urbanization and unplanned consumption. The effect of this pressure has been a widely discussed topic in nexus resource literature. The evidence shows the predominantly negative impact of this; however, the impact of these factors is less explored from a local scale. As a result, securing nexus resources is becoming a serious challenge for the country. This necessitates the identification of the driving factors for the sustainable utilization of scarce LWEF nexus resources. Our study provides a systemic look at the driving factor indicators that induce nexus resource degradation. We use the Analytical Hierarchical Process (AHP) to develop the indicators’ weights, and use a Path Analysis Model (PAM) to quantitatively estimate the effect of the driving factor indicators on the LWEF nexus resources. The results indicate that social (48%), economic (19%), and policy and institutional changes (14%) are the major nexus resource driving factor indicators. The path analysis results indicate that among the social driving factor indicators, population growth and consumption patterns have a significant direct effect on the LWEF nexus, with path coefficients of 0.15 and 0.089, respectively. Similarly, the potential of LWEF nexus resources is also influenced by the institutional and policy change drivers, such as outdated legislation and poor institutional structure, with path coefficients of 0.46 and 0.39, respectively. This implies that population growth and consumption patterns are the leading social drivers, while outdated legislation and poor institutional structures are the institutional and policies change drivers which have a potential impact on LWEF nexus resource degradation. Similarly, other driving factors such as environmental, economic and technological factors also affect nexus resources to varying degrees. The findings of our study show the benefits of managing the identified driving factors for the protection of LWEF nexus resources, which have close links with human health and the environment. In order to alleviate the adverse effects of driving factors, all stakeholders need to show permanent individual and collective commitment. Furthermore, we underline the necessity of applying LWEF nexus approaches to the management of these drivers, and to optimize the environmental and social outcomes.

scholarly journals Unlocking Household Electricity Consumption in Pakistan

Buildings ◽  
2021 ◽  
Vol 11 (11) ◽  
pp. 566
Author(s):  
Khuram Pervez Amber ◽  
Rizwan Ahmad ◽  
Mina Farmanbar ◽  
Muhammad Anser Bashir ◽  
Sajid Mehmood ◽  
...  
Keyword(s):  
Power Supply ◽  
Electricity Consumption ◽  
Consumption Patterns ◽  
Policy Makers ◽  
Residential Sector ◽  
Average Family Size ◽  
Research Findings ◽  
Conclusion Section ◽  
The Impact ◽  
The Relationship

In Pakistan, data for household electricity consumption are available in the form of monthly electricity bills only, and, therefore, are not helpful in establishing appliance-wise consumption. Further, it does not help in establishing the relationship among the household electricity consumption and various driving factors. This study aimed to unlock the household electricity consumption in Pakistan by analyzing electricity bills and investigating the impact of various socioeconomic, demographic, and dwelling parameters and usage of different appliances. The methodology adopted in this study was survey-based data collection of the residential sector. For this purpose, data were collected from 523 dwellings through surveys and interviews in Mirpur city. The results of the data analysis revealed that the average household electricity consumption is 2469 kWh/year with an average family size of seven and an average floor area of 78.91 m2. Based on possession of various appliances, the households were categorized into four types and their consumption patterns were established and compared. Air Conditioned (AC) houses consume 44% more electricity compared to the non-AC houses, whereas an Uninterrupted Power Supply (UPS) consumes electricity equivalent to an AC. The research findings are useful for policy makers and building designers and are discussed in the conclusion section.

scholarly journals DAMPAK BPNT TERHADAP KONSUMSI RUMAH TANGGA DAN POLA KONSUMSI RUMAH TANGGA PENERIMA BPNT, KECAMATAN MENGWI

2021 ◽  
pp. 839
Author(s):  
Luh Ade Yumita Handriani ◽  
Sudarsana Arka
Keyword(s):  
Path Analysis ◽  
Sample Size ◽  
Direct Effect ◽  
Indirect Effect ◽  
Household Consumption ◽  
Consumption Patterns ◽  
Consumption Pattern ◽  
Large Sample Size ◽  
Analysis Techniques ◽  
The Impact

This study aims to analyze the impact of the BPNT program on household consumption and consumption patterns of BPNT recipient households in Mengwi District, Badung Regency. This research was conducted in Mengwi District, Badung Regency using a questionnaire distributed to respondents with a large sample size of 96 KPM. This study uses path analysis techniques to analyze the direct effect and Sobel test to analyze the indirect effect. Based on path analysis, the results of the study concluded that the BPNT variable had a positive and significant effect on the consumption of BPNT recipient households in Mengwi District, Badung Regency. The BPNT variable has no effect on the consumption pattern of BPNT recipient households in Mengwi District, Badung Regency. The household consumption variable has a negative and significant effect on the consumption pattern of BPNT recipient households in Mengwi District, Badung Regency. The household consumption variable did mediate the effect of the BPNT Program on the consumption pattern of BPNT recipient households in Mengwi District, Badung Regency

Economic globalization and energy consumption patterns in Organisation for Economic Co-operation and Development economies

2021 ◽  
pp. 0958305X2110425
Author(s):  
Hemachandra Padhan ◽  
Santosh Kumar Sahu ◽  
Umakant Dash
Keyword(s):  
Energy Consumption ◽  
Economic Globalization ◽  
Consumption Patterns ◽  
Coal Consumption ◽  
Cross Sectional ◽  
Important Indicator ◽  
Distributed Lag ◽  
Long Run ◽  
Energy Consumption Patterns ◽  
The Impact

This study examines the impact of economic globalization on the patterns of energy consumption for 24 Organisation for Economic Co-operation and Development (OECD) economies from 1995 to 2015. We employ Westerlund cointegration, which shows a long-run association between economic globalization and energy consumption patterns. Furthermore, cross-sectional autoregressive distributed lag models (CS-ARDL) results explain the short-run and long-run relationship between the series. The results further explain that economic globalization reduces oil and coal consumption while accelerating gas consumption in OECD economies. We additionally employ the Eberhardt augmented mean group test to verify consistency with CS-ARDL results. The empirical evidence of this study suggests that OECD economies’ policymakers should prioritize economic globalization in framing policies related to energy consumption. Furthermore, allocating funds for better technology related to high polluting fuels should be one of the crucial considerations arising from this study. Finally, we recommend economic globalization as an important indicator to address the issues related to OECD economics’ environmental and ecological footprints.

Spring 2020: the impact of Covid-19 on consumption patterns and e-commerce in Durango, México

2021 ◽  
Vol 26 ◽  
Author(s):  
Mayela del Rayo Lechuga Nevárez ◽  
Juana Hernández Chavarria
Keyword(s):  
Consumption Patterns ◽  
The Impact

Prepaid debit cards and banking intention

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Sophia T. Anong ◽  
Aditi Routh
Keyword(s):  
Low Income ◽  
Transtheoretical Model ◽  
Customer Segmentation ◽  
Future Research ◽  
Bank Account ◽  
Content Type ◽  
Debit Card ◽  
The Impact ◽  
Debit Cards

PurposeThis study examines the relationship between prepaid debit card use and the intention to open a bank account within twelve months. The Transtheoretical Model (TTM) of Behavior Change helped to conceptualize one's stage in the process of changing from unbanked status if desired. The Theory of Planned Behavior (TPB) provided a framework to examine factors that influence banking intention. Prepaid debit card use is considered a social norm as it is a popular alternative to banking, and these accounts have increasingly mimicked bank account features in recent years.Design/methodology/approachThree in-depth focus group interviews with low-income respondents were first conducted in 2012, which revealed a prolific use of prepaid debit cards. Most participants had previous banking history, and despite negative experiences, some requested information about banking terms and “free” banking. These themes and previous studies informed a TPB-based biprobit model, which was estimated using data of an unbanked sample from 2013, 2015 and 2017 waves of the US Survey of Unbanked and Underbanked Households.FindingsThough there was banking interest in the focus groups, no significant empirical association was found between recent prepaid debit card use and banking intention. Going deeper with another sample, we found that current cardholders were equally likely to have become recently banked or to be long-term unbanked but less likely to be long-term banked. Also, factors such as a more recent relationship with banks, use of other alternative financial services for transactions and credit, smartphone ownership, and trust increase banking intention.Research limitations/implicationsThe main limitation of the study is the cross-section quantitative data. Future research may track banking status over time, particularly as financial technology (fintech) evolves with alternatives that may influence banks and customers to adapt.Practical implicationsTo compete with “leapfrog” fintech banking alternatives, bank managers should consider utilizing customer segmentation to target “at-risk” customers and former customers with products and terms tailored to meet their banking needs. Banks can also tailor digital products to capture markets in banking desserts through mobile phones.Originality/valueThis mixed-methods study is unique in that it builds on insights from earlier in-depth interviews with real unbanked groups to examine a trend in prepaid debit card use and the impact on banking interest.

A Study on Islamic Consumerism from a Cultural Perspective

2009 ◽  
Vol 12 (2) ◽  
pp. 3-19 ◽  
Author(s):  
IkRan Eum
Keyword(s):  
Marketing Strategy ◽  
Future Trend ◽  
Consumption Patterns ◽  
Cultural Perspective ◽  
Muslim Identity ◽  
Muslim Population ◽  
Religious Attitudes ◽  
The World ◽  
A Minor ◽  
The Impact

The Muslim market, which has been treated as a minor niche market until recently, has grown to a sizeable scale and is becoming one of the fastest growing markets in the world, with an annual Muslim population growth of 2.9 percent and resulting increasing purchasing power. Considering the significance of a new emerging Muslim market, the purpose of this study is to explore the impact of the growing Muslim identity on Islamic consumerism and its future. Focusing on Muslim youth, the study will delve into the Islamic religious attitudes toward global consumerism, the current situation of the Muslim market influenced by the intensification of Muslim identity and its future trend, as well as various case studies related to Muslim identity and its impact on recent consumption patterns. The result of the study would suggest a new direction for Korea in establishing a successful future marketing strategy in the Muslim market.

scholarly journals Research on the Influence of the Change of Consumption Concept on the Development of Digital Products in the Post Epidemic Era

2020 ◽  
Vol 179 ◽  
pp. 02072
Author(s):  
Deng Jieru ◽  
Xiao Canjun ◽  
Zhou Mengzhou ◽  
Zhou Xiying
Keyword(s):  
Global Economy ◽  
Development Trend ◽  
Consumption Patterns ◽  
Digital Products ◽  
Digital Product ◽  
Key Points ◽  
Huge Impact ◽  
The Impact ◽  
The Development Trend ◽  
Life Work

The outbreak of the COVID-19 epidemic has caused a huge impact on the global economy. Great changes have taken place in people’s consumption patterns. In order to explore the changes of people’s consumption concept in the post epidemic era, and the impact of these changes on digital products, this paper analyzes the changes of consumption concept from different life scenes such as life, work, learning, entertainment. Then, the article summarizes the development trend of digital products in the post epidemic era. Finally, the key points of future digital product design are put forward.

scholarly journals Impact of Covid-19 Pandemic on Food Consumption in Indonesia

2021 ◽  
Vol 1 (1) ◽  
pp. 313-320
Author(s):  
Amalia Zaida
Keyword(s):  
Food Consumption ◽  
Fast Food ◽  
The Body ◽  
Healthy Diet ◽  
Consumption Patterns ◽  
Research Approach ◽  
Healthy Diets ◽  
Tailored Approach ◽  
Sweet Foods ◽  
The Impact

Prevention of Covid-19 transmission by increasing immunity of the body with protein intake results in changes in people's dietary behavior. Pressure due to changing environment and loss of work leads to the tendency to eat sweet foods, preserved, high in fat and salt. This study aims to determine changes in food consumption patterns in Indonesia during the Covid-19 pandemic. Use a quick assessment of empirical facts about Indonesia's ongoing impact on Covid-19. The research approach framework conceptualizes Covid-19 as a 'Cause', and its effect on changes in food consumption patterns is "Consequent". The data used in this study from study literature uses references from national and international literature. Literature materials in the form of journals, articles, books, and news that discuss the impact of the Covid-19 pandemic on people's behavior, especially food consumption behavior, which can be accessed in electronic media. Pandemic covid-19 in Indonesian society affects food consumption patterns, namely, in adults, consumption of vegetables, fruits, and spices increases. While in adolescence, consumption of sweets and fast food increases. This change in the diet affects immunity. A healthy diet increases immunity and reduces the potential for contracting covid-19. Changes in different diets require a tailored approach to community nutrition fulfillment programs. It is necessary to create a program to raise awareness among young people to implement a healthy diet, and a program to support the consistency of healthy diets that have been formed in the community due to the covid-19 pandemic.

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